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Winfinance: what changed

Two fiscal years side by side, explained: what moved most in the balance sheet and the result, why the result rose or fell, and where the money went.

What changed

Winfinance

BE 0744.902.194
NACE 66.220, Insurance agents and brokers
fiscal year 2023 against 2024filed annual accounts (NBB)
Net result for the year
€328,889
2023 · €277,448+€51,441
Equity
€847,621
2023 · €518,732+€328,889
Cash
€191,898
2023 · €66,078+€125,819
Balance sheet total
€1.7m
2023 · €1.4m+€319,705

Largest movements

2023 to 2024
Assets
  • Receivables within one year +€321,462

    up €321,462 (+61.3%), from €523,985 to €845,447

    of which Other amounts receivable: +€320,948

  • Cash +€125,819

    up €125,819 (+190.4%), from €66,078 to €191,898

    mainly Net result for the year (+€328,889) and Stocks and contracts (+€60,443)

  • Stocks and contracts -€60,443

    no longer reported in 2024 (was €60,443)

  • Tangible fixed assets -€44,635

    down €44,635 (-6.4%), from €699,334 to €654,699

    of which Assets under construction and advance payments: -€46,868

  • Deferred charges and accrued income -€19,869

    down €19,869 (-41.7%), from €47,646 to €27,776

Equity and liabilities
  • Profit (loss) carried forward +€328,889

    new in 2024: €328,889

  • Debts after one year -€52,025

    down €52,025 (-8.5%), from €611,800 to €559,776

  • Tax, wage and social debts +€24,113

    up €24,113 (+18.4%), from €130,915 to €155,028

    of which Taxes: +€14,334

  • Current portion of long-term debt +€20,617

    up €20,617 (+20.1%), from €102,684 to €123,301

Income statement
  • Gross operating margin +€114,801

    up €114,801 (+25.1%), from €457,580 to €572,382

  • Staff costs +€47,065

    up €47,065 (+1897.1%), from €2,481 to €49,546

  • Other operating charges +€11,427

    up €11,427 (+919.0%), from €1,244 to €12,671

  • Taxes -€7,101

    down €7,101 (-5.4%), from €130,678 to €123,576

  • Depreciation +€7,008

    up €7,008 (+30.6%), from €22,917 to €29,925

From the 2023 result to the 2024 result

effect on the result

Each bar is the change in one income-statement line, as its effect on the result: higher costs pull it down, higher income lifts it.

Result 2023 €277,448
Gross operating margin +€114,801
Staff costs -€47,065
Depreciation -€7,008
Other operating charges -€11,427
Financial income +€255
Financial charges -€5,217
Taxes +€7,101
Result 2024 €328,889

Cash bridge derived

cash 2023 to 2024

Derived from the 2023 and 2024 balance sheets and the 2024 result: not a filed cash-flow statement. It shows where the money came from and went.

From operations +€139,888
Investment +€17,339
Financing -€31,408
Cash 2023 €66,078
Net result for the year +€328,889
Depreciation +€29,925
Stocks and contracts +€60,443
Receivables within one year -€321,462
Deferred charges and accrued income +€19,869
Trade debts +€13,818
Tax, wage and social debts +€24,113
Advances received +€601
Other debts -€16,308
Investment in fixed assets (net) +€17,339
Debts after one year -€52,025
Current portion of long-term debt +€20,617
Cash 2024 €191,898
Every line side by side 49 lines
Line Code 2023 2024 Change %
Total assets 20/58 €1,418,412 €1,738,117 +€319,705 +22.5%
Fixed assets 21/28 €720,260 €672,997 -€47,264 -6.6%
Intangible fixed assets 21 €20,927 €18,298 -€2,629 -12.6%
Tangible fixed assets 22/27 €699,334 €654,699 -€44,635 -6.4%
Land and buildings 22 €376,723 €362,914 -€13,809 -3.7%
Furniture and vehicles 24 €1,491 €11,467 +€9,976 +669.1%
Other tangible fixed assets 26 - €6,066 +€6,066
Assets under construction and advance payments 27 €321,120 €274,252 -€46,868 -14.6%
Current assets 29/58 €698,152 €1,065,121 +€366,969 +52.6%
Stocks and contracts in progress 3 €60,443 - -€60,443
Stocks 30/36 €60,443 - -€60,443
Amounts receivable within one year 40/41 €523,985 €845,447 +€321,462 +61.3%
Trade receivables 40 - €514 +€514
Other amounts receivable 41 €523,985 €844,933 +€320,948 +61.3%
Cash at bank and in hand 54/58 €66,078 €191,898 +€125,819 +190.4%
Deferred charges and accrued income 490/1 €47,646 €27,776 -€19,869 -41.7%
Total equity and liabilities 10/49 €1,418,412 €1,738,117 +€319,705 +22.5%
Equity 10/15 €518,732 €847,621 +€328,889 +63.4%
Contributions 10/11 €2,500 €2,500 = 0.0%
Reserves 13 €516,232 €516,232 = 0.0%
Non-distributable reserves 130/1 €250 - -€250
Other 1319 €250 - -€250
Distributable reserves 133 €515,982 €516,232 +€250 0.0%
Profit (loss) carried forward 14 - €328,889 +€328,889
Amounts payable 17/49 €899,680 €890,496 -€9,184 -1.0%
Amounts payable after more than one year 17 €611,800 €559,776 -€52,025 -8.5%
Financial debts 170/4 €611,800 €559,776 -€52,025 -8.5%
Amounts payable within one year 42/48 €287,880 €330,720 +€42,841 +14.9%
Current portion of amounts payable after more than one year 42 €102,684 €123,301 +€20,617 +20.1%
Trade debts 44 €1,916 €15,733 +€13,818 +721.3%
Suppliers 440/4 €1,916 €15,733 +€13,818 +721.3%
Advances received on contracts in progress 46 - €601 +€601
Taxes, remuneration and social security 45 €130,915 €155,028 +€24,113 +18.4%
Taxes 450/3 €129,920 €144,254 +€14,334 +11.0%
Remuneration and social security 454/9 €995 €10,774 +€9,779 +983.2%
Other amounts payable 47/48 €52,366 €36,057 -€16,308 -31.1%
Remuneration, social security and pensions 62 €2,481 €49,546 +€47,065 +1897.1%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets 630 €22,917 €29,925 +€7,008 +30.6%
Other operating charges 640/8 €1,244 €12,671 +€11,427 +919.0%
Gross operating margin 9900 €457,580 €572,382 +€114,801 +25.1%
Operating profit (loss) 9901 €430,939 €480,241 +€49,301 +11.4%
Financial income 75/76B €220 €476 +€255 +115.7%
Recurring financial income 75 €220 €476 +€255 +115.7%
Financial charges 65/66B €23,034 €28,250 +€5,217 +22.6%
Recurring financial charges 65 €23,034 €28,250 +€5,217 +22.6%
Profit (loss) for the period before taxes 9903 €408,126 €452,466 +€44,340 +10.9%
Income taxes 67/77 €130,678 €123,576 -€7,101 -5.4%
Profit (loss) for the period 9904 €277,448 €328,889 +€51,441 +18.5%
Profit (loss) for the period to be appropriated 9905 €277,448 €328,889 +€51,441 +18.5%

Source: filed annual accounts (NBB), fiscal years ended 31 December 2023 and 31 December 2024. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 29 September 2026 via checked.be.